I really hate to say it, but your grandmother is right about the trailer. It really doesn't matter who is making the payments on any loan as long as it is being paid. And, who is going to tell the bank/finance company that they are dead? If no one tells them, then they will never know...and as long as the loan is not defaulted on, it won't make a bit of a difference to them. Now if he misses a payment, and they find out about the deceased, then it will make a difference. (given your uncle's state of financial affairs, it is probably certain that he will miss a payment, so my whole argument will be moot at that point)

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